 How do I go about consolidating my credit card debt? |
| I have a good credit score, last time I checked about 6 months ago it was about 720-730. Recently I have acquired a big credit card debt, about $9,000 on one credit card (with a limit of $10,000) and ... |
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| I am about to make a $500 purchase. Should I get a credit card to buy it? (I am 18 and need credit)? |
So would it be a good idea to go to my bank and apply for a student credit card. And then use it on my purchase, and then pay they bill in full right when it comes?
Will this help my ... |
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 I went to the interview, and the boss likes me , he was staring at me, and said yes after 5 min we met? |
should i take the job?
its a cool job, but i guess i will awlays have to smile and pretend that i like him back , but married, or engaged or a lesbiian , whatever
should i?... |
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 I own a house that my mother gave me? |
| but I recently divorced my husband and he left me in a lot of debt with no way to pay.I intend to pay these debts off when I can get a job but can my house be taken away for any of these debts, I ... |
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 How can I build up my credit when Im only 18? |
| Im only 18 and desperately trying to build up my credit. I was just wondering if anyone knew how I could do so. Thanks!... |
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 Will adding my son to my credit card impact my credit rating, even if he never uses the card? |
My son read that a way to improve his credit rating was
"Add Your Name to Someone Else’s Good Account.
Piggybacking off of someone else’s good credit is an easy way to improve ... |
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 I have a credit card question. My credit card is up to its limit and im making monthly payments to pay it off. |
| Is it a good idea to do a balance transfor to another credit card for lower intrest rates or does that just make it worst. Did anyone ever do a balace transfor? and does it help?... |
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 How do I get my Credit Score? |
I just recieved a personal credit file from Equifax, but it did not include my credit score. How do I go about getting that score?
I live in ... |
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 Why is the lost or stolen number written on the back of your bank/ credit card? |
For goodness sake!!!!
If you lose it you would never know what number to call anyway!!!!!!!!!!!!!!!!!!!.......
Egg's site impressed me though, first thing you see in the &... |
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 Does anyone know of a place that re consolidates private student loans without running your credit report? |
Additional Details
I have about 40k in student loans through Sallie Mae that I just recently brought current and the monthyly payments are $600 and my APR is 18.24% I need to do ... |
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 They put my account as "Charged off"....??..? |
| I have an outstanding balance with a creditor, I called one of debt releif organization. So I am making monthly payments. The collection agency put my account as "charged off". Are they ... |
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 New year and I want to start clearing my debt.. what are some good free debt management companies I can call? |
My debt amounts to about 4000GBP.
I want to start cleaning up my credit file and clearing debits.
I need a decent free debt management company that won't take any of my money in ... |
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 I need 2000 to bail my boyfriend out of jail but i dont have ne credit cards or bank account? |
Additional Details
ok i dont think it right that you ppl judge my boyfriend not one of you kno him or kno why he is in ther so i really dont think you should judge ... |
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 ING Direct, is it worthy?? |
| I am researchign ING, and see that the ing direct savings account accures 4% interest. Y is it so much higher than normal banks? I am 18 with no credit hostory ( dont kno if that metters), can I open ... |
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 I'm 19 years old, full time college student, thinking of getting a credit card. What should I look for?? |
| I do not currently have a part time job (but I do have money saved up). I wanted a card that will give me points and/or rewards. Any suggestions on where to look? Should I even get one?... |
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martyn k | Is ther a time limit a debt collector has to claim money as ive just been informed i owe from 6 years ago? |
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dustiiart
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Some debts have a Statute of Limitations ranging from 2-6 years, some go as high as 10 years and others such as Governmental debt has no Statute
Do a search on "statute of limitations consumer debts", or old debts etc to determine what if any regulations are in place in your Country/State/Province.
Legally you may not have to pay the debt if it falls within certain guidelines however morally the debt is on the books forever and I guess it depends on how you look at this.
The debt collector has purchased your debt from the actual business where the debt was incurred originally...the company is now happy and the collector has to recoup it's money so they will do what it takes to make that happen. They may call every week, send letters, etc., trying to get you to own up to the debt first then to pay up.
Check the statutes, consider if you really want these people chasing you down every week or so and go from there.
Good luck |
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The Twist
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Yea, check the stature of limitations for debt in your state:
http://www.bankrate.com/brm/news/cc/20040116b1.asp |
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General Custer
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Depends on the kind of debt. The statute of limitations on a written note varies by state but usually 10 years. A payment or acknowledgment of the debt may start the limitation period starting to run anew. |
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pagamenews
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There is something known as the statute of limitation. But, it varies widely from one state to another. Maybe take a look at this website for more information on the topic....
http://www.creditmanagementworld.com/legal.html |
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ruth4526
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In most states, it is a 7 yr. limitation. Check with you public defender. Or try different lawyers, some may give you free information. Don't make any payments if you don't want to pay it. If you make a dime payment, you admit you owe it and are paying on it and they will expect the full amount. Don't do anything untill you talk to a lawyer. Good LUck. |
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The Fat Controller
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i belive 6 years is the limit speak to citizens advice they will help |
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Mike R
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In California, the statute of limitations for a debt is four years.
You're not going to like the rest, but read on..........
If you made the debt, don't hide behind time. Grow up and pay it. The company that extended you credit did so on good faith that you would pay them back and you didn't. Why not just break into your neighbors house and take what you want? It's the same... stealing. Settle for paying just the principle if there are late fees and and that other crap piled on. |
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Billys girl
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A debt stays on your credit report for 7 years, unless you go onto all 3 reporting sites and dispute the claim and have it removed. |
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untanuta
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think a debt can still be claimed for up to 7 years! |
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Starbucks25
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Actually there is no time limit on how long you "owe" a debt. Until it is paid, it exists. On the other hand, there are time limits on the steps that may be taken to collect it.
For example, a lawsuit generally must be filed within four years of the time you default. If the person waits longer, they will be "barred" from filing a suit. Also, negative information on your credit report becomes obsolete after seven years and generally may not be reported.
There is no time limit, however, regarding when a creditor must stop asking you to pay. Also, as long as you do not pay, that creditor does not have do business with you. |
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NETTA M
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It depends on what kind of debt. Car repos the statute of limitations is 4 years, unless they've sued you. Credit cards and other debt have their own statute of limitations depending upon what state you're in. Look and find out what your states SOL is and act accordingly. If it's out of SOL I'd write a letter telling them so. Then if they decide to take you to court you can use that and actually get money from them. |
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mmurphy384
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I have a better idea . . . . pay your debt you d*uchebag. I can't stand stupid morons like you.
Instead of being some meek ****** that defaults on their debts, pay it and be done with it. In all likelihood, you'll get away without having to pay. I just hope you realize how weak of a person you are. |
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